Rule reference · SEPA Credit Transfer scheme rules · Control sums
SEPA-SCT-CTRLSUM-005: Payment information control sum does not match the amounts
The control sum is defined as the total of all individual amounts in the payment information group. Whether it is validated depends on pre-agreed customer-to-PSP conditions.
| Severity | WARNING Warning: the run needs review |
|---|---|
| Status | Recommendation, or depends on your agreement with the bank |
| Applies to | pain.001.001.09, SEPA Credit Transfer |
| Elements checked | /Document/CstmrCdtTrfInitn/PmtInf/CtrlSum |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, item 2.5 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
Why it matters
Many PSPs reject payment information blocks whose control sum does not match.
How to fix it
Check the control sum calculation per payment information block.
Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Control sums do not equal the amounts: advisory WARNING (validation depends on pre-agreed conditions). REVIEW · Download · Validate it
Related rules: Control sums
- SEPA-SCT-CTRLSUM-001: Group header control sum is mandatory
- SEPA-SCT-CTRLSUM-002: Payment information control sum is mandatory
- SEPA-SCT-CTRLSUM-003: Control sum has more than two decimals
- SEPA-SCT-CTRLSUM-004: Group header control sum does not match the amounts
Validate a pain.001 fileFree, no account needed, files are not stored.